BlastPoint's Credit Union Scorecard

VELOCITY COMMUNITY

Charter #12458 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

VELOCITY COMMUNITY has 7 strengths but faces 3 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.48% above tier average
+ Net Interest Margin 0.15% above tier average
+ Total Assets: Top 0.1% in tier
+ Total Deposits: Top 0.9% in tier
+ Total Loans: Top 1.6% in tier
+ Fee Income Per Member: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	25,149 +0.9% YoY-0.0% QoQ	+10.0K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Top 12.0% in tier
Assets	$498.4M +2.4% YoY+2.8% QoQ	+$266.7M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	Top 0.2% in tier
Loans	$349.4M +8.2% YoY+3.2% QoQ	+$205.3M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Top 1.7% in tier
Deposits	$429.9M +1.7% YoY+2.6% QoQ	+$228.8M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	Top 1.0% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% +246.9% YoY+183.5% QoQ	+0.5%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	79%
NIM	3.8% +7.9% YoY+0.4% QoQ	+0.2%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	61%
Efficiency Ratio	70.7% -13.1% YoY-13.4% QoQ	-7.3%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.7% +94.6% YoY-4.3% QoQ	-0.1	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	56%
Loan To Share	81.3% +6.4% YoY+0.6% QoQ	+10.9%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	71%
AMR	$30,990 +3.6% YoY+2.9% QoQ	+$6K	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	84%
CD Concentration	17.5% +2.5% YoY-3.2% QoQ	-6.7%	24.3%	24.4%	19.8%	50%
Indirect Auto %	16.3% +1.0% YoY-2.2% QoQ	+2.5%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#172 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.62%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY

Concerns (3)

Credit Risk Growth

risk

#89 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.24%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.33% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#204 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#477 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.40%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.33%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.88%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Total Assets

balance_sheet

Value: $498.37M

Peer Median: $196.57M

#2 of 1070 Top 0.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $429.93M

Peer Median: $171.29M

#11 of 1070 Top 0.9% in 100M-500M tier

Total Loans

balance_sheet

Value: $349.44M

Peer Median: $121.41M

#18 of 1070 Top 1.6% in 100M-500M tier

Fee Income Per Member

profitability

Value: $327.75

Peer Median: $154.95

#33 of 1070 Top 3.0% in 100M-500M tier

128

Total Members

engagement

Value: 25,149

Peer Median: 13,200

#128 of 1070 Top 11.9% in 100M-500M tier

155

Loan-to-Member Ratio (LMR)

engagement

Value: $13,895

Peer Median: $9,356

#155 of 1070 Top 14.4% in 100M-500M tier

177

Average Member Relationship (AMR)

engagement

Value: $30,990

Peer Median: $22,931

#177 of 1070 Top 16.4% in 100M-500M tier

223

Return on Assets (ROA)

profitability

Value: 1.20%

Peer Median: 0.69%

#223 of 1070 Top 20.7% in 100M-500M tier

247

Loan Growth Rate

growth

Value: 8.24%

Peer Median: 2.93%

#247 of 1070 Top 23.0% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available